Veterans and their families are one of the most responsive life insurance audiences an agent can dial: they understand benefits, they respect structure, and many leave service with a coverage gap they already know about. ClosrLeads delivers OTP-verified real-time veteran leads at $32 and aged veteran records from $1, all captured with timestamped TCPA consent and a replacement policy for invalid contacts.
Every product below is built for licensed insurance agents and agencies. Pricing starts at $1.00 per lead on aged volume; real-time and niche-filtered pricing varies by filter set, state, and daily volume. Live pricing and available filters are on the shop page.
Veteran insurance leads are contact records from veterans, transitioning service members, and military family members researching life insurance. The defining feature of the market is the coverage cliff at separation: SGLI ends when service does, VGLI gets expensive fast, and a large share of veterans simply let coverage lapse. Years later — often prompted by a family event or a benefits review — they go looking again. That search is the lead you are buying.
The audience skews responsible and structured. Veterans keep appointments at a higher rate than most cold lists, respond well to direct, plain-spoken scripts, and frequently hold VA disability income that makes premium budgeting straightforward. For agents who invest in speaking the language, veteran files become referral engines inside tight-knit military communities.
ClosrLeads prices the vertical in four tiers. OTP-verified real-time veteran leads are $32 per lead: the consumer confirmed their phone number with a one-time passcode moments before you received the record. Aged veteran inventory runs $5 for 45-90 day records, $3 for 90-150 days, and $1 for 150+ days.
For market context, real-time veteran leads across the industry generally trade between $20 and $50 depending on verification, filters, and exclusivity, and most sellers charge a premium for phone verification. The aged tiers exist because the veteran coverage gap does not expire: a veteran who inquired five months ago and never bought is usually still uncovered.
OTP-verified flow is for live-answer selling: the prospect asked for contact recently and the number is confirmed working, so connect rates carry the economics. It suits specialists who convert on a strong first conversation.
Aged veteran records are volume fuel. At $1 to $5 per record you can afford the long, patient cadence this audience actually rewards — veterans rarely buy from the first touch, but they do respond to persistence that respects their time. The strongest veteran-market agencies we see run both: OTP flow for the dialer shift, aged lists for SMS nurture and callback windows.
Records are captured on veteran-focused landing pages with affirmative, timestamped TCPA consent language authorizing contact by a licensed agent. Submissions pass device-reputation, IP-quality, and duplicate checks before delivery, and OTP-verified products add the one-time passcode phone confirmation on top. Delivery is real-time by webhook into your CRM or dialer, or by CSV for aged batches. Consent documentation is retrievable on request.
Open with the benefit context, not the product. "You had SGLI when you served — most people lose that coverage at separation and never replace it" earns more conversations than any rate quote. Know the difference between VGLI, term, and whole life cold, because your prospect often half-remembers a briefing about it.
Respect the schedule and the culture: be direct, be on time, and skip the thank-you-for-your-service-as-a-sales-tactic opener — it reads as manipulation to most veterans. And work the family angle honestly: survivor benefit gaps are the single most common reason a veteran household actually completes a purchase.
Over 36,000 people — most of them licensed agents — follow @closrtech on Instagram, where discount codes and deal announcements post first.
Every record includes the fields licensed agents need to open a conversation and stay compliant. Additional fields may be available for real-time and niche lead types depending on the source and filter set.
Delivery: CSV file with column headers for aged, real-time webhook (JSON POST) for live flows, or both in parallel.
Every veteran insurance lead delivered through ClosrLeads is captured with timestamped, affirmative consent that documents who consented, when, how, and on what web property. The consent record is available on request, and is what your compliance team will need if a call or text is ever challenged under the Telephone Consumer Protection Act (TCPA) or state telemarketing rules.
Beyond opt-in capture, submissions are screened against duplicate, DNC, and quality signals, and high-risk inputs are filtered out before delivery. Buyers are responsible for maintaining their own calling-time windows, DNC policy, agent training, and state-level registrations. We document the consent; you document the agent behavior. Used together, the two form a defensible TCPA posture.
For the full regulatory picture, the FCC and FTC publish guidance on TCPA and telemarketing rules. Agents should also review their state insurance department bulletins for any state-specific requirements around lead calls, texts, and solicitation language.
Often a veteran themselves, or married into a military family. Positions as "the agent who speaks the language" — DD-214, SGLI, VGLI, TDIU — and converts on trust. Buys OTP-verified flow for live transfers into that story.
Already runs a final expense cadence and adds veteran leads as a second list. The pitch overlaps heavily (burial cost protection, fixed-income budgets), so the same scripts adapt with a benefits-aware opener.
Buys aged veteran volume in bulk for SMS warm-up and callback shifts. At $1 per 150+ day record, the math supports long cadences that would never pencil on real-time pricing.
Pick a lead type, choose your states, and start receiving leads the same day.
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